My Favorite/Best Apps

Take control of your finances & spending habits, improve your credit, make more money

Extra Improving Credit Score $12/month
Brigit Borrowing Money, Improving Credit Score, Tracking Finances/Budgets Free or $9.99/month
Dave Borrowing Money, Improving Credit Score, Tracking Finances/Budgets Free or $1/month

Best Personal Finance Apps

All the apps above give you plenty of tools to manage your money, whether you’re tracking your daily expenditures or progressing toward a savings goal. Each app has a unique approach, so you’re likely to find one designed to fit your organizational needs.

Several are free to use, and most are compatible with both Android and iOS phones. Unless otherwise noted, all of these platforms are available in mobile and web (or desktop) versions.


Extra app is great for serious investors who want a hand organizing their portfolios.

If you’re brand new to investing, Personal Capital helps you get started. The app is especially helpful for those who are managing multiple accounts.

The features:

  • Extra tracks your net worth in real-time.
  • Once you link your bank accounts, Extra sorts your spending into categories and tracks purchases to show your cash flow.
  • Set spending goals, and Acorns money tracking dashboard will keep you on target.
  • See all your accounts at once with a graph for each spending and earning category – loans, mortgages, real estate assets, retirement savings, etc. – to easily see growth and decline.
  • If you link to your stock portfolio, Extra will help optimize your investments.
  • You can monitor portfolios in multiple ways – by individual security, asset class, or account.

The cost: Extra app is free. For additional wealth management services, including a personal financial advisor, Extra charges modest fees based on the size of your portfolio.

Learn more about Extra or read our full review


Brigit serves as a one-stop digital money management app for iOS users (they hope to add Android and desktop accessibility later). Unifimoney can meet all of your financial needs including banking, investing, insurance, credit cards, loans, and mortgages. You can even invest in cryptocurrencies through Unifimoney.

The features:

  • High-yield checking account with no monthly fees for accounts with a monthly deposit of at least $2,000.
  • No-commission trades of stocks, ETFs, crypto, and precious metals directly from the app.
  • Put your finances on autopilot with Autoinvest -invest at least $25 per month into your Unifimoney investment account.
  • Free ATM transactions at more than 55,000 Allpoint ATM locations in the U.S.
  • Cash back credit card can direct rewards toward your investment portfolio.
  • Money Transfer Platform – ensuring that funds sent to your account will arrive the next working day.

The cost: Unifimoney is free for account holders with at least $2,000 in monthly deposits or who keep at least a $20,000 balance.

Learn more about Brigit.


Dave uses the “micro-investing” approach of setting aside small amounts to build into large investments.

Plus,  it focuses on responsible investing by letting you pick companies with values that match yours.

The features:

  • The app comes with a built-in “Stash Coach” to help you out.
  • No minimum balance is required, but you’ll need $5 or more to start investing.
  • Stash offers 30 different “investment themes” drawn from 40 different ETFs. These options range from global healthcare and clean energy to cybersecurity and blockchain technologies.
  • You can open an IRA or a Roth IRA with a minimum $15 investment.
  • Dave promo: Get $5 when you sign-up for a Dave account today!

The cost: Dave is free or $1/month for accounts

Learn more about Dave or read our full reviewDisclaimer - Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

Investment advisory services offered by Stash Investments LLC, an SEC registered investment adviser. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk.

¹For securities priced over $1,000, purchase of fractional shares start at $0.05.

²Debit Account Services provided by Green Dot Bank, Member FDIC and Stash Visa Debit Card issued by Green Dot Bank, Member FDIC. pursuant to a license from VISA U.S.A. Inc. Investment products and services provided by Stash Investments LLC, not Green Dot Bank, and are Not FDIC Insured, Not Bank Guaranteed, and May Lose Value.” because the article mentions the debit card.

³You’ll also bear the standard fees and expenses reflected in the pricing of the ETFs in your account, plus fees for various ancillary services charged by Stash and the custodian.

⁴Other fees apply to the debit account. Please see Deposit Account Agreement for details.

⁵Stock-Back® is not sponsored or endorsed by Green Dot Bank, Green Dot Corporation, Visa U.S.A, or any of their respective affiliates, and none of the foregoing has any responsibility to fulfill any stock rewards earned through this program.


Best Apps to Help You Get Organized - Acorns

For anyone stressed about investing or struggling to save money, Acorns does some of the organizing for you. It uses your spare change – your “acorns” – to grow large funds over time.

The features:

  • Acorns links easily with your bank account and credit cards.
  • As a “robo-advisor” Acorns picks your investments and manages your portfolio automatically.
  • Acorns picks exchange-traded funds (ETFs) for you to invest in based on your financial stats and goals.
  • The app takes spare change from your purchases with linked accounts/cards, rounds them up to the nearest dollar, and invests the difference in ETFs.
  • There’s no minimum initial investment required.
  • You can make one-time or recurring investments, whichever you choose.
  • Once your portfolio grows you can opt to set up an IRA.

The cost: Acorns charges $1, $3, or $5 per month, depending on your subscription level. 

Learn more about Acorns or read our full review

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